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Physician Loans | Physician Disability Insurance | LeverageRx

Easily compare physician loans & physician disability insurance for doctors, dentists & medical professionals with LeverageRx.

Actived: Tuesday Jan 12, 2021

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Physician Loans | Physician Disability Insurance | LeverageRx

Details: LeverageRx is a digital lending and insurance marketplace exclusively for doctors. We make it incredibly simple to compare rates on physician mortgage loans, physician disability insurance, student loan refinancing, and other financial services for medical professionals.

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13 Best Physician Life Insurance Companies in 2021

Details: What is whole life insurance? Whole life insurance is the oldest, most permanent type of policy. It’s also the most expensive. Because of this, whole life has become less popular. Other products provide the same guaranteed earnings, but with higher returns and lower rates.

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13 Best Medical Malpractice Insurance Companies in 2021

Details: Medical malpractice insurance, also known as professional liability insurance, helps protect doctors and other medical professionals from any liability resulting from a patient's injury or even death. This type of insurance often covers attorney's fees and court costs, the cost of arbitration, settlement costs and any medical damages.

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4 Types of Business Insurance for Medical Practices

Details: The aforementioned types of insurance are considered "must-haves" in order to protect your business and your employees. However, there are also various types of insurance that are considered nice for medical practice owners to have if circumstances permit. These “nice-to-haves” include: Commercial auto insurance.

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6 Best Physician Disability Insurance Companies in 2021

Details: About As one of the largest, most trusted mutual insurance companies in America, Guardian Life is the Cadillac of its industry. Its disability insurance product, ProVider Choice, is a great fit for doctors. Policies are underwritten and issued by Berkshire Life, a wholly-owned stock subsidiary.

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How Much Does Medical Malpractice Insurance Cost in 2020

Details: Malpractice Insurance Claims Made vs. Occurrence Malpractice Insurance, Explained. Occurrence coverage is the preferred type of malpractice insurance for most medical professionals, however it's not available in all states. Claims made coverage is more readily available and some carriers only offer this option.

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Medical Malpractice Insurance | 2021 Ultimate Guide

Details: Malpractice insurance is a type of indemnity insurance. Indemnity means making up for a loss suffered by a victim. Indemnity insurance is a contractual agreement in which one party guarantees compensation for damages sustained by another party. Joint and several liability. Many states limit damages that a defendant can be held liable for based

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Physician Disability Insurance | 2021 Ultimate Guide

Details: Standard Insurance Company was founded in 1906 as the Oregon Life Insurance Company. As of July 2018, the company was rated A+ by Standard & Poor’s, A1 by Moody’s, and A by A.M. Best. Learn more: 2021 Standard Disability Insurance Review

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How Disability Insurance Combination Plans Work in 2020

Details: Colin Nabity. Colin is the CEO of LeverageRx, an online lending and insurance marketplace for doctors. Colin has over 10 years of experience in financial services and is a licensed life and health insurance agent.

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How a Disability Insurance Return of Premium Rider Works

Details: Disability Insurance Best Disability Insurance Companies for Dermatologists in 2020. Whether you’re a resident or practicing dermatologist, it’s highly encouraged that you own disability insurance. Disability insurance is designed to replace a major portion of your income if you are unable

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How Does a Disability Insurance COLA Benefit Rider Work

Details: Disability insurance is jam-packed with confusing jargon. To help simplify your experience, let's take a closer look at the COLA riders most carriers offer. A COLA rider is an optional add-on to a long term disability insurance policy that will help any benefits that you are paid keep pace with inflation in the event that you become disabled.

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The Life Insurance Application & Underwriting Process

Details: Insurance companies will assess how long members of your family lived with a condition to predict your life expectancy. Smoker status. Life insurance companies use two sets of risk classes to assess premium rates, one for smokers and one for non-smokers. If you smoked for several years but have quit, you will likely be assigned smoker status.

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3 Reasons Why You Should Avoid Cash Value Life Insurance

Details: Many insurance companies pitch cash value life insurance as an investment vehicle. "It's a tax-advantageous way to save for retirement or other long-term needs," agents say. Although enticing, it's important to understand the many downsides to this option. Life insurance is best used for its intended purpose.

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How Disability Insurance Occupation Classes Work | LeverageRx

Details: When disability insurance companies build and price policies, they do so largely on the amount of risk involved. One of the major determining factors of the risk involved with providing long term disability coverage is the occupation of the insured. To determine the pricing and benefits of policies, insurance companies group jobs into specific occupational classes based on risk.

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Can Creditors Claim Life & Disability Insurance Benefits

Details: Creditors and disability insurance. If you become disabled due to injury or illness and have trouble paying off debts, you can also be somewhat assured that your disability insurance benefits will remain shielded from creditors. Many states protect private disability insurance benefits from being seized or garnished by creditors.

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MedPro Group: 2020 Medical Malpractice Insurance Review

Details: Cyber and privacy liability insurance. Your malpractice policy is equipped with a $50,000 coverage limit. Other available options. General liability, omissions and other insurance coverage are also available. Credits and other benefits. MedPro offers a number of credits and benefits to certain medical specialties.

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Understanding the Student Loan Disability Insurance Rider

Details: Disability Insurance Best Disability Insurance Companies for Family Medicine Doctors in 2020. The average family physician earns $219,000, according to Medscape's 2018 Compensation Report. Over a 30 year career in medicine, this equates to over $6.5 million in potential earnings. If an accident

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Disability Insurance Future Increase Options, Explained

Details: Disability insurance is designed to replace a major portion of your income if you are unable to work due to injury or illness. The amount of coverage and the monthly benefits you can receive are based on your income at the time of policy issue.

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Disability Insurance Exclusions & Limitations, Explained

Details: For example, the insurance company may want to know upfront if you participate in high-risk activities such as rock climbing or skydiving. Understanding disability insurance exclusions. If you are granted disability insurance coverage with an exclusion, the insurance company will still insure you.

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The Catastrophic Disability Insurance Rider, Explained

Details: Disability Insurance Critical Illness Insurance vs. Disability Insurance, Explained. Even with health insurance, serious illnesses can impact a family’s finances. According to the American Association for Critical Illness Insurance (AACII), medical problems contribute to over 60 percent of bankruptcies in the U.S.

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2020 Ameritas Disability Insurance Review for Doctors

Details: If the importance of disability insurance wasn't clear before, it certainly is now. For those who are not already covered, one great option for doctors is the DInamic Foundation disability insurance policy offered by Ameritas.. Below is an overview of DInamic Foundation’s key provisions and features.

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Best Disability Insurance for Nurse Practitioners in 2020

Details: Insurance companies generally classify occupations on a scale of 1 to 5 or 6. Many use the letter M to designate medical professionals. Typically, the higher the numerical value of the classification, the lower the rate available will be from the insurance company (and perceived risk).

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7 Reasons Doctors Need Individual Disability Insurance

Details: Disability Insurance How Recovery Benefits on Long Term Disability Insurance Policies Work. It’s important to understand the provisions of your policy’s recovery benefit, including the benefit period available and how much income loss you need after recovery to qualify.

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Level vs. Graded Disability Insurance Premiums, Explained

Details: Life Insurance When Do I Need Term Life Insurance? In exchange for your monthly, quarterly, or annual premium payment, the insurance company agrees to insure your life for a specified term as long as you pay your premium. The most common terms are 10, 20 and 30 years.

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2020 Principal Disability Insurance Review for Doctors

Details: Disability Insurance 2020 Guardian Disability Insurance Review for Physicians. Guardian has one of the strongest definitions of disability for physicians. If totally disabled, you are able to receive your full disability insurance benefits even if you are gainfully employed in another occupation.

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Homeowners Insurance & Renters Insurance Made Easy [2020

Details: A temporary insurance policy issued by your carrier that provides proof of coverage until you receive a permanent policy. Endorsement. Just like a rider on a life or disability insurance insurance policy, an endorsement is an add-on you can purchase for a homeowners insurance policy. (There are over 100 endorsements available.) Deductible

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20 Questions to Ask Before Buying Disability Insurance

Details: By law, insurance companies must offer a free-look period once your policy has been issued. It allows you to cancel the policy within a given period (albeit with a penalty). Each state mandates its own free-look period, typically 10 business days. Some states mandate 20-day periods or more. Some insurance companies have their own period lengths

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The Doctors Company: 2020 Malpractice Insurance Review

Details: This week we're taking a closer look at the medical malpractice insurance coverage offered by The Doctors Company. About The Doctors Company. The Doctors Company is the nation’s largest physician-owned medical malpractice insurer. It has roughly 80,000 members and over $4 billion in assets.

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Common Life Insurance Terms You Should Know in 2019

Details: The insurance company: Also known as the carrier, this is the company that issues the policy, receives the premium payment and pays out the contractual benefits. The insured: This is the individual whose life is covered by the life insurance policy. The death of the insured will trigger the payment of the death benefit.

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2019 Medical Malpractice Payout Report [Infographic

Details: LeverageRx is a digital lending and insurance marketplace for healthcare professionals. In addition to malpractice insurance, the online platform makes it simple to compare rates on physician mortgage loans, physician disability insurance and other financial products for doctors. Want to get in touch? Email [email protected] or call (402) 915

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Various Types of Property Insurance for Natural Disasters

Details: DIC insurance provides coverage for disasters not covered by other types of property insurance, such as landslides and mudslides. DIC insurance is typically insured as a stand-alone policy, but can be added as an endorsement on certain property insurance policies. Key takeaways. Every homeowner needs a homeowners insurance policy. Plain and simple.

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Malpractice Insurance Tail Coverage: Do You Need It

Details: Colin Nabity. Colin is the CEO of LeverageRx, an online lending and insurance marketplace for doctors. Colin has over 10 years of experience in financial services and is a licensed life and health insurance agent.

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Critical Illness Insurance vs. Disability Insurance

Details: Disability insurance covers most injuries or illnesses that prevent or limit people from working. In addition to the ones covered by critical illness insurance, disability insurance policies may also cover severe injuries, blindness, loss of hearing, and mental illness.

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AMA: 2020 Physician Disability Insurance Review | LeverageRx

Details: Individual Disability Insurance. Individual disability insurance plans will allow you to receive partial benefits following a 15-20% loss of income and don’t require total disability to occur before partial benefits will be paid. This is a very important feature as the majority of disabilities start as partial disabilities before the insured

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What is a Residual Disability Benefit Rider? | LeverageRx

Details: Disability Insurance How Does a Disability Insurance COLA Benefit Rider Work? [2020 Update] A COLA rider is an optional add-on to a long term disability insurance policy that will help any benefits that you are paid keep pace with inflation in the event that you become disabled.

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Claims Made vs. Occurrence Malpractice Insurance | LeverageRx

Details: When shopping for medical malpractice insurance, one of the most important considerations is whether to buy claims made coverage or an occurrence policy.. One of the complexities of malpractice insurance is that several years can elapse between a patient’s treatment and a claim of malpractice.

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2020 Guardian Disability Insurance Review for Doctors

Details: Disability Insurance 2020 The Standard Disability Insurance Review for Physicians. The Standard offers own-occupation as a rider on the policy. It is defined as the inability to “perform the substantial and material duties of your regular occupation” and being under the regular care of a physician.

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2020 MassMutual Disability Insurance Review for Doctors

Details: Disability Insurance 4 Steps for Comparing Long-Term Disability Insurance Policies. People often equate disabilities with catastrophic injuries from a car accident or other trauma. But in reality, 95 percent of all long-term disability insurance claims are caused by illness.

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Why the Cost of Disability Insurance Varies by State

Details: Disability insurance is largely priced based on the insured’s income, since the insurance policy pays a percentage of income in monthly benefits. Therefore, living in states and regions where doctors earn more and that have higher costs of living makes income replacement more expensive for an insurance company, and thus results in higher

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Best Disability Insurance for Dentists in 2020 | LeverageRx

Details: Disability insurance is a type of income protection that most people should consider putting in place. After all, more than a quarter of American workers will endure some type of temporary disability during their careers that prevents them from working.

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Best Disability Insurance for Anesthesiologists in 2020

Details: Best disability insurance companies for anesthesiologists. Relative to other medical specialties, disability insurance companies consider anesthesiologists to be a higher risk and place them in a higher occupation class. Because of this, anesthesiologists will typically pay more for disability insurance.

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Prudential Life Insurance: 2020 Company Review | LeverageRx

Details: The company’s life insurance policies are designed to help physicians, dentists, and other doctors plan for all of life's uncertainties. Like many of its competitors, the most notable life insurance products that Prudential offers to medical practitioners are term life insurance and universal life insurance.

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Can My Life Insurance Policy Also Cover a Disability

Details: Life insurance disability riders pay much less in benefits than individual disability policies. Whereas individual disability insurance policies pay benefits based in large part on the income of the insured, disability benefits from a life insurance policy are based on a percentage of the policy’s face amount, or death benefit.

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Physician Life Insurance | 2021 Ultimate Guide | LeverageRx

Details: Stock insurance company: An insurance company owned by stock holders. Surrender: Canceling a life insurance contract. Term conversion : This is a provision that enables a term life insurance policy owner to convert the contract to a permanent policy, such as whole life.

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5 Ways Disability Insurance Agents Dupe Doctors in 2020

Details: A captive broker represents a single insurance company. This individual can only sell you policies from that specific insurance carrier. Independent agents. An independent broker works on behalf of multiple disability insurance companies. This individual is unbiased and licensed to sell policies from any insurance carrier it represents.

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7 Ways to Get Disability Insurance Discounts | LeverageRx

Details: See Also: Disability Insurance for Doctors. 2. Association discounts. A number of professional associations, including the American Medical Association, can get their members a discount on individual disability insurance offered through an insurance carrier. The discount may be around 10 percent off standard pricing.

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Do You Need a Consent-To-Settle Clause in Your Policy

Details: The insurance company will pay out a fraction of what may have been required if the case went through the complete legal process. It also reduces the amount of legal expenses required to defend against a malpractice complaint. But settlements aren’t always positive for doctors. After all, a settlement means admitting to some level of guilt or

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MLMIC: 2020 Medical Malpractice Insurance Company Review

Details: Formerly known as Medical Liability Mutual Insurance Co., it was one of several companies founded in response to the medical professional liability insurance crisis of the late 1970s. What makes MLMIC truly unique is the first-class coverage it brings exlclusively to healthcare professionals in the state of New York.

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Physician Life Insurance Insights & Resources | LeverageRx

Details: Prudential Life Insurance: 2020 Company Review [For Doctors] If you are in the market for physician life insurance, Prudential Life Insurance Company is a great place to get started. The company’s life insurance policies are designed to help physicians, dentists, and other doctors plan for all of life's uncertainties.

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Ameritas Life Insurance: 2020 Company Review | LeverageRx

Details: Prudential Life Insurance: 2020 Company Review [For Doctors] If you are in the market for physician life insurance, Prudential Life Insurance Company is a great place to get started. The company’s life insurance policies are designed to help physicians, dentists, and other doctors plan for all of life's uncertainties.

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